System, medium, and method for real-time data services based on geo-location information

ABSTRACT

Embodiments of the present invention provide a communicable integration of a user network of devices and a vendor system. Embodiments receive, at the vendor system from the user network of devices, a request for provisioning of products by a vendor; determine a provisioning location for provisioning of the products by the vendor; continuously identify a real-time location of the user via the one or more components of the user network of devices; continuously calculate a real-time first limit based on the continuously identified current location of the user and the provisioning location; calculate a total time to provision the products comprising a sum of a product preparation time and the real-time first limit; and optimize delivery of the products based on the total time to provision and the real-time location of the user.

CROSS-REFERENCE OF RELATED APPLICATIONS

This application is a continuation of, and claims priority to, U.S.patent application Ser. No. 15/986,613, filed on May 22, 2018 whichclaims priority to U.S. Provisional Patent Application Ser. No.62/589,953, filed on Nov. 22, 2017, both of which are assigned to theassignees hereof and are hereby expressly incorporated by referenceherein.

BACKGROUND

Manual interactions between users and third parties that traditionallyinvolve manual or face-to-face conveyance of data and information areinefficient, slow, and often insecure thereby reducing productivity andsecurity associated with all parties involved. As such, there exists aneed for a system to improve the efficiency, speed, and data securitywhen performing interactions.

BRIEF SUMMARY

The following presents a simplified summary of the present disclosure inorder to provide a basic understanding of some aspects of the invention.This summary is not an extensive overview of the invention. It is notintended to identify key or critical elements of the invention or todelineate the scope of the invention. The following summary merelypresents some concepts of the invention in a simplified form as aprelude to the more detailed description provided below.

Embodiments of the present invention address the above needs and/orachieve other advantages by providing apparatuses (e.g., a system,computer program product and/or other devices) and methods forcommunicable integration of a user network of devices and a vendorsystem, the user network of devices comprising a plurality of componentsincluding an automobile device and a mobile device. Embodiments areconfigured to receive, at the vendor system from the user network ofdevices, a request for provisioning of products by a vendor; determine aprovisioning location for provisioning of the products by the vendor;identify a location of the user, via the one or more components of theuser network of devices; calculate a first limit based on a differencebetween the location of the user and the provisioning location;continuously identify a real-time location of the user via the one ormore components of the user network of devices; continuously calculate areal-time first limit based on the continuously identified currentlocation of the user and the provisioning location; calculate a totaltime to provision the products comprising a sum of a product preparationtime and the real-time first limit; and optimize delivery of theproducts based on the total time to provision and the real-time locationof the user.

In some embodiments, the one or more processing devices are configuredto execute the computer readable code to: calculate a second limit,wherein the second limit is associated with a maximum distance from thelocation of the user; identify the one or more vendor entities locatedwithin the first limit; apply logic to select a vendor entity from theone or more third party entities; transfer a location of the vendorentity to the user, via the one or more components; determine that thecurrent location of the user matches the location of the vendor entity;establish a first communication link between the automobile and a vendorentity device associated with the third party entity; identify a triggerfrom the vendor entity device, wherein the trigger is associated withtransfer of resources to complete an interaction, wherein theinteraction is associated with the distribution of fuel; in response toidentifying the trigger, initiate the transfer of the resources tocomplete the interaction; and complete the interaction by transferringthe resources to the vendor entity device via the one or morecomponents.

In some embodiments, the user network of devices comprises at least oneinternet of things (IOT) device and wherein the one or more processingdevices are configured to execute the computer readable code to:transmit a request for provisioning of the products to the vendor systemusing the at least one IOT device.

In some embodiments, the one or more processing devices are configuredto execute the computer readable code to establish a directcommunication link with the one or more components of the automobile.

In some embodiments, the one or more processing devices are configuredto execute the computer readable code to establish a communication linkwith the user device of the user, wherein the user device is connectedto the automobile.

Some embodiments are configured to apply the logic for selecting thefirst third party entity by: identifying user preferences associatedwith the user; identifying travel time associated with each of the oneor more vendor entities by communicating with traffic monitoringsystems; identifying one or more supplemental resources associated withresource pools of the user; identifying one or more bids received fromthe identified one or more vendor entities; and determining the firstvendor entity based on at least the user preferences, the travel time,the one or more supplemental resources, and the one or more bids.

Some embodiments are configured to transfer the location of the vendorentity comprising sending the location of the vendor entity to anavigation system of the automobile.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will be made to the accompanying drawings, where:

FIG. 1 presents an automobile resource distribution triggering systemenvironment, in accordance with an embodiment of the present invention;

FIG. 2 presents a block diagram illustrating a smart computing device,in accordance with an embodiment of the present invention;

FIG. 3 presents a block diagram illustrating an automobile, inaccordance with an embodiment of the present invention;

FIG. 4 presents a block diagram illustrating a resource distributiontriggering system, in accordance with an embodiment of the presentinvention;

FIG. 5 presents a process flow for completing an interaction associatedwith fuel purchase via the automobile at a third party entity location,in accordance with an embodiment of the present invention;

FIG. 6 presents a process flow for completing an interaction associatedwith a parking location via the automobile, in accordance with anembodiment of the present invention;

FIG. 7 presents a process flow for communicating an order to a remotedevice of a third party entity via the automobile, in accordance with anembodiment of the present invention;

FIG. 8 presents a process flow for completing an interaction associatedwith one or more tolls by communicating with remote devices at tollbooths via the automobile, in accordance with an embodiment of thepresent invention;

FIG. 9 presents a process flow for selecting a first third party entityfrom one or more third party entities associated with the fuel purchaseby applying logic via an artificial intelligence engine, in accordancewith an embodiments of the present invention;

FIG. 10 presents a process flow for communicable integration of a usernetwork of devices and a vendor system, where the user network ofdevices comprises a plurality of components including an automobiledevice and a mobile device; and

FIG. 11 presents a process flow for communicable integration of a usernetwork of devices and an internet of things (IOT) device, the usernetwork of devices comprising a plurality of components including anautomobile device.

DETAILED DESCRIPTION OF THE INVENTION

Embodiments of the present invention now may be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure may satisfy applicablelegal requirements. Like numbers refer to like elements throughout.

In some embodiments, a “financial institution” as used herein mayinclude commercial banks, thrifts, federal and state savings banks,savings and loan associations, credit unions, investment companies,insurance companies and the like. In some embodiments, the financialinstitution may allow a customer to establish an account with thefinancial institution. An “account” or “resource pool” may be therelationship that the customer has with the financial institution.Examples of accounts include a deposit account, such as a transactionalaccount (e.g. a banking account), a savings account, an investmentaccount, a money market account, a time deposit, a demand deposit, apre-paid account, a credit account, or the like. The account isassociated with and/or maintained by a financial institution.

In some embodiments, the term “entity” or “third party entity” as usedherein may be any merchant offering products or services to one or moreusers. This may include Quick Service Restaurants (QSR), gas stations,merchants providing parking spaces, toll booths, convenience stores,pharmacy, wholesale merchants, and/or the like. The term “remote device”as used herein may be any computing device utilized by third partyentities. The term “vendor entity device” may be any computing deviceprovided by third party entities at third party entity locations. Thismay include point of sale (POS) provided by third party entities at anyof the third party locations.

In some embodiments, a “user” may be a financial institution customer(e.g., an account holder or a person who have an account (e.g., bankingaccount, credit account, or the like)). In some embodiments, a “user”may be a customer of a third party entity.

In accordance with embodiments of the invention, an “interaction” may bea transaction, transfer of funds, transfer of resources, and may referto any activities or communication between a user and a financialinstitution, between a financial institution and a third party system,activities or communication between multiple financial institutions,communication between technology application and the like. Transfer ofresources may refer to a payment, processing of funds, internationaltransfer of funds, purchase of goods or services, a return of goods orservices, a payment transaction, a credit transaction, or otherinteractions involving user's resource or account. Unless specificallylimited by the context, a “transaction”, a “transfer of funds”, a“record” may refer to any activity initiated between a user and afinancial institution or a third party system, or any combinationthereof. Typical financial transactions include point of sale (POS)transactions, automated teller machine (ATM) transactions, person toperson (p2p) transfers, internet transactions, online shopping,electronic funds transfers between accounts, transactions with afinancial institution teller, personal electronic checks, conductingpurchases using loyalty/reward points etc. When discussing the resourcetransfers or transactions are evaluated it could mean that thetransactions have already occurred, are in the process of occurring orbeing processed, or they have yet to be processed/posted by one or morefinancial institutions.

In accordance with embodiments of the invention, an “account” or“resource credential” or “resource pool” is the relationship that a userhas with a financial institution, such as a financial institution.Examples of accounts include a deposit account, such as a transactionalaccount (e.g., a banking account), a savings account, an investmentaccount, a money market account, a time deposit, a demand deposit, apre-paid account, a credit account, a debit/deposit account, or thelike. The account is associated with and/or maintained by the financialinstitution.

A “system environment”, as used herein, may refer to any informationtechnology platform of an enterprise (e.g., a national or multi-nationalcorporation) and may include a multitude of servers, machines,mainframes, personal computers, network devices, front and back endsystems, database system and/or the like.

FIG. 1 provides a block diagram illustrating an environment 100 whereina real-time data services based on geo-location may be implemented.Likewise, the environment may enable a real-time employment ofelectronic resources based on feedback as discussed below. As depictedin FIG. 1 , the operating environment 100 may include a user network ofdevices 290 that may include one or more smart computing devices (i.e.,user devices), internet of things (IOT) devices 295 and/or automobilesystems 300. As shown, the user network of devices may communicate withone another through the network 150 or embodiments of the invention mayestablish communication linkages directly or indirectly between and/oramong two or more of the devices that are part of the user network ofdevices 290.

In various embodiments, the environment may also include a resourcedistribution triggering system 400 interacting with the user network ofdevices 290 such as the smart computing device 200 and automobile system300 of a user 105, one or more remote devices 401, one or more vendorentity devices 402, using a network 150 that includes an internet 151and wireless telephone network 152. In some embodiments, the resourcedistribution triggering system 400 may be maintained by a financialinstitution. In some embodiments, the resource distribution triggeringsystem 400 may be owned and maintained by the financial institution. Insuch an embodiment, the resource distribution triggering system 400communicates with a financial institution system to complete one or moreinteractions. In some embodiments, the resource distribution triggeringsystem 400 may be a part of a financial institution system (not shown).In alternate embodiments, the resource distribution triggering system400 may be a part of the automobile system 300. In some embodiments, theresource distribution triggering system 400 may be part of a smart chipwhich is placed in the automobile system 300. In some embodiments, theresource distribution triggering system 400 may interact with smartcomputing devices and automobiles associated with a plurality of users(not shown) at any given instance. The user 105 and other plurality ofusers may be customers of the financial institution or the third partyentities.

The environment 100 also may include a plurality of computing devices ofthe user 105. The computing devices may include any machine, apparatus,system or the like that may be connected to and communicate with otherdevices over a network 150. The smart computing device 200 may include apersonal computer such as a desktop computer, laptop computer, tablet orany type of personal computing device that may be connected to a networkby landline or wireless access such as wireless local area network(WLAN) such as Wi-Fi based on the Institute of Electrical andElectronics Engineers' (IEEE) 802.11 standards, Bluetoothshort-wavelength UHF radio waves in the ISM band from 2.4 to 2.485 GHzor other wireless access technology.

Referring now to FIG. 2 , the smart computing device 200 may be anycomputing device utilized by the user 105. In embodiments of the presentinvention, the smart computing device may be any device of the userconnected to the automobile of the user via a wired (e.g., USB port) orwireless technology (e.g., Bluetooth). The smart computing device may beany wearable device, laptop, mobile device, smart phone device, PDA,tablet, or any other mobile device. In one embodiment of the invention,there may be multiple smart computing devices, wherein the multiplesmart computing devices may be a mobile telephone and a smart watch.Other types of smart computing devices 200 may include portable digitalassistants (PDAs), pagers, tablets, mobile televisions, laptopcomputers, cameras, video recorders, audio/video player, radio, GlobalPositioning Systems (GPS) devices, or any combination of theaforementioned. In one embodiment of the present invention, the smartcomputing device 200 is a mobile device.

Some embodiments of the smart computing device 200 include a processor210 communicably coupled to such devices as a memory 220, user outputdevices 236, user input devices 240, and a network interface 260. Thesmart computing device 200 further includes a power source 215, such asa battery, for powering various circuits and other devices that are usedto operate the smart computing device 200. Embodiments of the smartcomputing device 200 may also include a clock or other timer 250configured to determine and, in some cases, communicate actual orrelative time to the processor 210 or one or more other devices. Theprocessor 210, and other processing devices described herein, generallyinclude circuitry for implementing communication and/or logic functionsof the associated device. For example, the processor 210 may include adigital signal processor device, a microprocessor device, and variousanalog to digital converters, digital to analog converters, and/or othersupport circuits. Control and signal processing functions of the smartcomputing device 200 are allocated between these devices according totheir respective capabilities. The processor 210 thus may also includethe functionality to encode and interleave messages and data prior tomodulation and transmission. The processor 210 can additionally includean internal data modem. Further, the processor 210 may includefunctionality to operate one or more software programs, which may bestored in the memory 220. For example, the processor 210 may be capableof operating a connectivity program, such as a web browser application223. The web browser application 223 may then allow the smart computingdevice 200 to transmit and receive web content, such as, for example,location-based content and/or other web page content, according to aWireless Application Protocol (WAP), Hypertext Transfer Protocol (HTTP),and/or the like. The memory device 220 may include other applicationssuch as financial institution application 221, a user application 224,resource distribution triggering application 225, authorizationapplication 222, and/or the like. The user application 224 may be adigital wallet application or any application that maintains virtualcards which is provided by the financial institution system. In someembodiments, the resource distribution triggering application 225 may bea part of the financial institution application 221. In someembodiments, financial institution application 221 may be a mobilebanking application. The resource distribution triggering application225 interacts with the resource distribution triggering system 400 toperform one or more functions. In some embodiments, the authorizationapplication 222 allows the smart computing device 200 to interact withfinancial institution systems and resource distribution triggeringsystem 400. In some embodiments, the smart computing device may includea fitness tracking application, wherein the fitness tracking applicationcomprises information associated with diet plans, calorie goals, and/orthe like.

The processor 210 is configured to use the network interface 260 tocommunicate with one or more other devices on the network 150. In thisregard, the network interface 260 includes an antenna 276 operativelycoupled to a transmitter 274 and a receiver 272 (together a“transceiver”). The processor 210 is configured to provide signals toand receive signals from the transmitter 274 and receiver 272,respectively. The signals may include signaling information inaccordance with the air interface standard of the applicable cellularsystem of the wireless telephone network 152. In this regard, the smartcomputing device 200 may be configured to operate with one or more airinterface standards, communication protocols, modulation types, andaccess types. By way of illustration, the smart computing device 200 maybe configured to operate in accordance with any of a number of first,second, third, and/or fourth-generation communication protocols and/orthe like. For example, the smart computing device 200 may be configuredto operate in accordance with second-generation (2G) wirelesscommunication protocols IS-136 (time division multiple access (TDMA)),GSM (global system for mobile communication), and/or IS-95 (codedivision multiple access (CDMA)), or with third-generation (3G) wirelesscommunication protocols, such as Consolidated Mobile TelecommunicationsSystem (UMTS), CDMA2000, wideband CDMA (WCDMA) and/or timedivision-synchronous CDMA (TD-SCDMA), with fourth-generation (4G)wireless communication protocols, with LTE protocols, with 3GPPprotocols and/or the like. The smart computing device 200 may also beconfigured to operate in accordance with non-cellular communicationmechanisms, such as via a wireless local area network (WLAN) or othercommunication/data networks.

The network interface 260 may also include a near field communication(NFC) interface 270. As used herein, the phrase “NFC interface”generally refers to hardware and/or software that is configured tocontactlessly and/or wirelessly send and/or receive information overrelatively short ranges (e.g., within four inches, within three feet,within fifteen feet, and the like). The NFC interface 270 may include asmart card, key card, proximity card, Bluetooth® device, radio frequencyidentification (RFID) tag and/or reader, transmitter, receiver, and/orthe like. In some embodiments, the NFC interface 270 communicatesinformation via radio, infrared (IR), and/or optical transmissions. Insome embodiments, the NFC interface 270 is configured to operate as anNFC transmitter and/or as an NFC receiver (e.g., an NFC reader). Also,it will be understood that the NFC interface 270 may be embedded, built,carried, and/or otherwise supported in and/or on the smart computingdevice 200. In some embodiments, the NFC interface 270 is not supportedin and/or on the smart computing device 200, but the NFC interface 270is otherwise operatively connected to the smart computing device 200(e.g., where the NFC interface 270 is a peripheral device plugged intothe smart computing device 200). Other apparatuses having NFC interfacesmentioned herein may be configured similarly. In some embodiments, theNFC interface 270 of the smart computing device 200 is configured tocontactlessly and/or wirelessly communicate information to and/or from acorresponding NFC interface of another apparatus (e.g., a point of sale(POS) device, an automated teller machine (ATM) or another mobile orcomputing device). In one embodiment of the present invention, the NFCinterface of the smart computing device 200 wirelessly communicatesinformation (virtual card information such as virtual card number, CVVcode, expiration date) stored in the user application 224 to perform atransaction.

As described above, the smart computing device 200 has a user interfacethat may be made up of user output devices 236 and/or user input devices240. The user output devices 236 include a display 230 (e.g., a liquidcrystal display or the like) and a speaker 232 or other audio device,which are operatively coupled to the processor 210. The user inputdevices 240, which allow the smart computing device 200 to transmitdata, may include any of a number of devices allowing the smartcomputing device 200 to transmit data, such as a keypad, keyboard,touch-screen, touchpad, microphone, mouse, joystick, other pointerdevice, button, soft key, and/or other input device(s). The userinterface may also include a camera 280, such as a digital camera.

The smart computing device 200 may also include a positioning systemdevice 275 that is configured to be used by a positioning system todetermine a location of the smart computing device 200. For example, thepositioning system device 275 may include a GPS transceiver. In someembodiments, the positioning system device 275 is at least partiallymade up of the antenna 276, transmitter 274, and receiver 272 describedabove. For example, in one embodiment, triangulation of cellular signalsmay be used to identify the approximate location of the smart computingdevice 200. In other embodiments, the positioning system device 275includes a proximity sensor or transmitter, such as an RFID tag, thatcan sense or be sensed by devices known to be located proximate alocation to determine that the smart computing device 200 is locatedproximate these known devices.

The memory 220 is operatively coupled to the processor 210. As usedherein, “memory” or “memory device” includes any computer readablemedium (as defined herein below) configured to store data, code, orother information. The memory 220 may include volatile memory, such asvolatile Random Access Memory (RAM) including a cache area for thetemporary storage of data. The memory 220 may also include non-volatilememory, which can be embedded and/or may be removable. The non-volatilememory can additionally or alternatively include an electricallyerasable programmable read-only memory (EEPROM), flash memory or thelike. The memory 220 can store any of a number of applications whichinclude computer-executable instructions/code executed by the processor210 to implement the functions of the smart computing device 200 and/orone or more of the process/method steps described herein.

These applications also typically provide a graphical user interface(GUI) on the display 230 that allows the user 105 to communicate withthe smart computing device 200, the financial institution system and/orother devices or systems. The memory 220 can also store any of a numberof pieces of information, and data, used by the smart computing device200 and the applications and devices that make up the smart computingdevice 200 or are in communication with the smart computing device 200to implement the functions of the smart computing device 200 and/or theother systems described herein. For example, the memory 220 may includesuch data as user authentication information.

Referring now to FIG. 3 , the automobile system 300 comprises one ormore components of an automobile. The automobile may be any wheeledmotor vehicle comprising user output devices 305, user input devices315, memory 320, positioning system device 325, other automotivecomponents, and a smart device 330. In some embodiments, the smartdevice 330 may be a smart chip. The smart chip may be a micro device inthe automobile. In embodiments of the invention, the smart chip 330 isprovided the financial institution. The smart chip 330 may be integratedinto any wheeled vehicles with user input and output devices. In someembodiments, the smart chip is maintained by the financial institution.As shown in the FIG. 3 , the smart chip 330 may include a networkcommunication interface 331, microprocessor 332, and memory device 333.The microprocessor 332 is configured to use the network communicationinterface 331 to communicate with one or more other devices on thenetwork 150. In this regard, the network communication interface 331 mayinclude an antenna operatively coupled to a transmitter and a receiver(together a “transceiver”). In some embodiments, the smart chip 330 mayutilize a transceiver of the automobile. The microprocessor 332 isconfigured to provide signals to and receive signals from thetransmitter and receiver, respectively. The smart chip 330 may utilizewireless network including satellite or any other wireless network ofthe automobile to provide signals and receive signals. In someembodiments, the smart chip 330 may utilize wireless network of thesmart computing device 200 connected to the automobile system 300 toprovide signals and receive signals to perform one or more steps in theprocess flows described below. The smart chip 330 may be configured toraise certain triggers and alert the resource distribution triggeringsystem upon occurrence on any of one or more conditions. For example,the smart chip may identify an input from a user via any of the userinput devices and may alert the system. In one example, the smart chipmay identify that the user has entered a destination location via theuser input devices and alerts the system to trigger processes.

The network communication interface 331 may also include a near fieldcommunication (NFC) interface. As used herein, the phrase “NFCinterface” generally refers to hardware and/or software that isconfigured to contactlessly and/or wirelessly send and/or receiveinformation over relatively short ranges (e.g., within four inches,within three feet, within fifteen feet, and the like). The NFC interfacemay include a smart card, key card, proximity card, Bluetooth® device,radio frequency identification (RFID) tag and/or reader, transmitter,receiver, and/or the like. In some embodiments, the NFC interfacecommunicates information via radio, infrared (IR), and/or opticaltransmissions. In some embodiments, the NFC interface is configured tooperate as an NFC transmitter and/or as an NFC receiver (e.g., an NFCreader). Also, it will be understood that the NFC interface may beembedded, built, carried, and/or otherwise supported in and/or on thesmart computing device 200. In some embodiments, the NFC interface isnot supported in and/or on the smart computing device 200, but the NFCinterface is otherwise operatively connected to the smart computingdevice 200. For example, smart computing device 200 may be internallyconnected to the electronic and communication system of the automobileand may utilize the NFC interface of the automobile. In someembodiments, the NFC interface of the smart computing device 200 isconfigured to contactlessly and/or wirelessly communicate information toand/or from a corresponding NFC interface of another apparatus (e.g., apoint of sale (POS) device, an automated teller machine (ATM) or anothermobile, remote device, vendor entity devices, or computing device). Inone embodiment of the present invention, the NFC interface of the smartcomputing device 200 wirelessly communicates information (virtual cardinformation such as virtual card number, CVV code, expiration date)stored in the memory 320 of the automobile or user application 224 ofthe smart computing device 200 to and/or from a corresponding NFCinterface of a POS device to perform an interaction.

The memory device 333 may include one or more applications orinformation accessed or received by the smart chip 330. The memorydevice, as shown, comprises one or more applications including a networkserver application 334, resource distribution triggering application335, and/or the like. The network server application 334 may beconfigured to cause the microprocessor to interact with other componentsof the automobile, smart computing device 200, resource distributiontriggering system 400, remote device 401, vendor entity device 402,and/or other device associated with the network 150. The resourcedistribution triggering application may be utilized to receive andcommunicate information to the resource distribution triggering system400 to perform one or more steps in the process flow described herein.The smart chip 330 may receive instructions from the resourcedistribution triggering system to perform one or more steps describedherein. In some embodiments, the smart chip 330 may receive informationfrom the resource distribution triggering system 400, the vendor entitydevice 402, or the remote device 401 and communicate the information tothe user 105 utilizing the user output devices 305 including, but notlimited to, display 308 and speaker 310 of the automobile 300. In someembodiments, the smart chip 330 may receive information from the user105 via the user input devices including, but not limited to,microphone, keypad, touchpad, and/or the like of the automobile andcommunicate the information received form the user to the resourcedistribution triggering system 400, the vendor entity device 402, or theremote device 401 to perform one or more steps in the process flowsdescribed herein. In some embodiments of the present invention, thesmart chip 330 may identify current location of the automobile utilizingthe positioning system device 325 of the automobile. In some otherembodiments, the smart chip 330 may utilize other automotive components328 or information available in the other automotive components 328 ofthe automobile. The automotive components, may include any body and mainparts, electrical and electronics (including navigation system, gaugesand meters, sensors, electrical switches, cameras, audio/video devices,and/or the like), interior components (car seats, floor components,and/or the like), power train and chassis, and/or the like. In someembodiments, the automobile further comprises a chip reader tofacilitate completion of one or more interactions. In some embodiments,the system comprises any other built in mechanism to facilitatecompletion of one or more interactions. In some embodiments, the builtin mechanism and the chip reader may be provided by a financialinstitution. All or some components of the automobile described abovemay be considered as an automobile system.

FIG. 4 provides a block diagram illustrating the resource distributiontriggering system 400, in greater detail, in accordance with embodimentsof the invention. As illustrated in FIG. 4 , in one embodiment of theinvention, the resource distribution triggering system 400 includes oneor more processing devices 420 operatively coupled to a networkcommunication interface 410 and a memory device 450. In certainembodiments, the resource distribution triggering system 400 is operatedby a financial institution, such as a financial institution. In someembodiments, the resource distribution triggering system 400 is part ofa system of the automobile system 300, wherein the resource distributiontriggering system 400 may be embedded within any component of theautomobile. In some embodiments of the invention, the resourcedistribution triggering system 400 is part of the smart chip 330,wherein the smart chip 330 is placed in the automobile and is a part ofthe automobile. In such an embodiment, the system establishes a directcommunication link with the automobile system. In some embodiments, theresource distribution triggering system 400 may be an independentsystem, wherein the resource distribution triggering system 400communicates with the automobile to performs one or more actionsdescribed in the process flows below via the smart chip 330 of theautomobile. In such an embodiment, the system establishes acommunication link with the automobile system via the smart chip. Forexample, the system may communicate with user input devices 315,positioning device 325, other automotive components 328, and user outputdevices 305 via the smart chip 330. In such embodiments, the system mayconnect with the smart computing device 200 of the user via the smartchip 330, wherein the smart computing device 200 is present with theuser and wherein the smart computing device 200 may be connected withthe automobile system 300. In some embodiments, the smart computingdevice 200 may not be connected with the automobile system 300 via wiredor wireless technology.

In one embodiment, the resource distribution triggering system 400 ispart of a financial institution system. In such an embodiment, aresource distribution application performing the operations of theresource distribution triggering system 400 is stored in the entitysystem. In such embodiments, the smart chip may be configured to performone or more steps of the process flows described herein and the resourcedistribution triggering system monitors and controls the smart chip andprovides any additional information required to perform the one or moresteps. In some embodiments, the resource distribution triggering system400 may be a part of the smart chip 330 in the automobile.

It should be understood that the memory device 450 may include one ormore applications and one or more databases or other datastructures/repositories. The memory device 450 also includescomputer-executable program code that instructs the processing device420 to operate the network communication interface 410 to performcertain communication functions of the resource distribution triggeringsystem 400 described herein. For example, in one embodiment of theresource distribution triggering system 400, the memory device 450includes, but is not limited to, a network server application 470, aresource distribution triggering application 470, control application480, a data storage application 483, artificial intelligence engineapplication 485 and other computer-executable instructions or otherdata. The computer-executable program code of the network serverapplication 470, the resource distribution triggering application 470,the control application 480, and the data storage application 483,artificial intelligence engine application 485 may instruct theprocessing device 420 to perform certain logic, data-processing, anddata-storing functions of the resource distribution triggering system400 described herein, as well as communication functions of the resourcedistribution triggering system 400.

As used herein, a “communication interface” generally includes a modem,server, transceiver, and/or other device for communicating with otherdevices on a network. The network communication interface 410 is acommunication interface having one or more communication devicesconfigured to communicate with one or more other devices on the network150, such as computing device 200. The processing device 420 isconfigured to use the network communication interface 410 to transmitand/or receive data and/or commands to and/or from the other devicesconnected to the network 150. The resource distribution triggeringsystem 400, communicates with the smart chip 330 of the automobile toperform various steps described herein. The resource distributiontriggering system 400, communicates with remote devices 401 and vendorentity devices 402 to perform various steps described herein. In someembodiments, the resource distribution triggering system 400,communicates with other systems such as traffic monitoring system,entity system, authorization systems, and/or the like. The resourcedistribution triggering system 400 also comprises an artificialintelligence engine.

FIG. 5 presents a process flow 500 for completing an interactionassociated with fuel purchase via the automobile at a third party entitylocation. As shown in block 510, the resource distribution triggeringsystem 400 receives an input from the user to search for at least onethird party entity distributing fuel. Fuel may be any of the availableforms of fuel including, but not limited to, diesel, gas, electric, orthe like. The input may be a voice command, a text command, and/or thelike received from the user via the user input devices 315 of theautomobile. The system instantly recognizes the input received from theuser via the user input devices. In some embodiments, the system mayidentify that fuel in the automobile has dropped below a predeterminedlimit and automatically communicates a low fuel input to the system. Insome embodiments, the system may communicate with other automobilecomponents such as gauges or meters to identify that fuel in theautomobile has dropped below a predetermined limit. For example, thepredetermined limit may be 1 gallon in non-electric automobiles or 10percent in electric automobiles. In some embodiments, the system mayidentify that the user is travelling to a destination and determine thatrefueling is required to reach the destination. The system then promptsthe user, via the user output devices 305, to determine if the userwould like to refuel. Upon receiving an input from the user, the systemcontinues the process and proceeds to block 520.

As shown in block 520, the system then identifies, a current location ofthe user. The system communicates with the positioning system device 325to identify the current location of the user. In some embodiments, thesystem may connect with the smart computing device 200 such as mobiledevice and may utilize the positioning system device 275 to determinethe current location of the user. In such embodiments, the smartcomputing device 200 may be connected with the automobile 300 via wiredor wireless technology associated with the smart computing device 200.In some embodiments, the system may connect with the smart computingdevice 200 via the smart chip 330 in the automobile 300. In someembodiments, the system may use satellite data to determine the locationof the user. The system along with identifying the current location ofthe user, determines the level of fuel in a gas tank of the automobile300 by communicating with other automobile components 328 of theautomobile 300. For example, the system may communicate with asystem/component of the automobile 300 to retrieve fuel gauge data.

As shown in block 530, the system calculates a first limit based on thelocation of the user. The first limit is the maximum distance that theuser can travel before running out of fuel based on the current locationof the user and the level of fuel in the gas tank previously identifiedby the system. In other words, the maximum distance is based on the fuelconsumption of the automobile. In some embodiments, the system may alsoidentify the travel route and the destination of the user andcommunicate with traffic monitoring systems (not shown) to determinetraffic in the travel route of the user. The system uses the currenttraffic information to calculate the first limit.

As shown in block 540, the system identifies the one or more third partyentities located within the calculated first limit. The one or morethird parties may be any merchants (e.g., gas stations) selling fuellocated within the first limit from the current location of the user.The system identifies the one or more third parties along the travelroute of the user.

As shown in block 550, the system applies logic to select a first thirdparty entity from the one or more third party entities. FIG. 9 presentsa process flow 900 for selecting the first third party entity from theone or more third party entities. As shown in block 910, the systemidentifies user preferences associated with the user. For example, theuser may prefer a particular gas station or a particular type of fuel(diesel, electric, gas, premium, regular, and/or the like) available atthe gas stations. The user preferences may be stored in the memory ofthe smart computing device 200 or the memory of the automobile 300. Thesystem retrieves user preference data and identifies that the userprefers going to merchant ‘A’ over merchant ‘B’ of the one or more thirdparty entities. As shown in block 920, the system identifies travel timeassociated with each of the one or more third party entities bycommunicating with traffic monitoring systems (not shown). For example,the system may identify that traffic associated with the travel route togo to merchant ‘A’ is less than the travel route associated withmerchant ‘B’ of the one or more third party entities. Additionally, thesystem may also identify the travel distance to each of the identifiedone or more third party entities. As shown in block 930, the systemidentifies one or more supplemental resources associated with theresource pools of the user. Supplemental resources may be any ofrewards, cashback, membership perks, or any other supplemental resourcesassociated with any of the resource pools of the user. For example, thesystem may identify that resource pool ‘A’ has a cashback deal withmerchant ‘A’ of the one or more third party entities. In someembodiments, the system may access supplemental resource informationassociated with resource pools of the user by accessing the userapplication 224 or financial institution application 221 of the smartcomputing device 200. In some embodiments, the system may accesssupplemental resource information by communicating with financialinstitution system associated with the resource pools. As shown in block940, the system identifies one or more bids received from the identifiedone or more third party entities. For example, after identifying the oneor more third party entities in block 540, may notify the one or morethird party entities about a potential opportunity (purchase of fuel bythe user). The one or more third party entities may send one or morebids to the system in response to receiving a notification with thepotential opportunity. The system may identify the one or more bids andmay identify that Merchant ‘A’ is offering fuel for a lower pricecompared with other merchants of the identified one or more third partyentities. In some embodiments, wherein the price of the fuel is fixed,the system may identify the merchant offering the lowest prices bycommunicating with systems associated with the one or more third partyentities. Next, as shown in block 950, the system determines the firstthird party entity from the one or more third party entities by applyinglogic based on the user preferences, traffic associated with the one ormore third party entities, the one or more supplemental resources, andthe one or more bids received from the one or more third party entities.For example, the system may identify that a merchant ‘A’ located atdistance ‘A’ is selling fuel at a lower price than a merchant ‘B’located at distance ‘B’ which is lower than distance ‘A’ at a pricehigher than the price offered by Merchant ‘A.’ In such an exemplaryembodiment, the system considers the current traffic, user preferences(such as a particular gas station or a type of fuel available at the gasstations, and/or the like), and supplemental resources (rewards orcashback, membership perks, or any other supplemental resources)associated with the resource pool (credit account, debit account, or thelike) of the user to select a merchant from the one or more merchantsinitially identified by the system. In some embodiments, the automobile300 may be utilized by one or more users. The system applies logic basedon the user driving the car. The system identifies the user driving thecar by communicating with the other automotive components of theautomobile to identify driving patterns, weight of the user in thedriver seat, driver seat preferences, or the like.

Referring back to FIG. 5 , as shown in block 560, the system transfersan entity location of the first third party entity to the automobile.The system may automatically add the entity location to the selectedtravel route of the user via the navigation system of the automobile300. In some embodiments, the system may add the entity location to theselected travel route of the user after receiving an approval from theuser. In some embodiments, the system may identify a second third partyentity from the one or more third party entities by applying logic basedon receiving disapproval from the user and the system may add user'sdisapproval to the user preferences. In some embodiments, the system maystore preferences associated with the user's disapproval in the memoryof the automobile 300. In some embodiments, the system may storepreferences associated with the user's disapproval in the memory of thesmart chip 330. In some embodiments, the system upon adding the entitylocation to the selected travel route of the user, communicates withremote devices (e.g., fuel dispenser monitoring device, fuel stationsystem) associated with the first third party entity to identify anempty refueling station and block the empty refueling station for theuser. The system may receive a confirmation from the remote device aboutreserving the refueling station and may communicate the confirmation tothe user via the user output devices of the automobile.

In some embodiments, the system may access one or more to-do lists ofthe user stored in the smart computing device of the user, and mayidentify that one or more products in the to-do list (e.g., grocerylist) are available at the first third party entity location. The systemmay then communicate, after receiving an approval from the user, anorder comprising one or more products in the to-do list to the thirdparty devices (online ordering platform) associated with the first thirdparty entity, wherein an employee of the first third party entity afterreceiving the order may fulfill the order before the user reaches thethird party entity location. In some embodiments, the system mayidentify that the user purchased a set of products after refuelingduring the last visit and may prompt the user to identify if he/shewould like to order same products before reaching the third party entitylocation.

The system after transferring the location of the first third partyentity, continuously monitors a current location of the user, via theone or more components of the automobile and identifies that the currentlocation of the user matches the location of the first third partyentity. The system may then establish a communication link between theautomobile and a vendor entity device (e.g., fuel dispenser or point ofsale or fuel station system), at the location of the first third partyentity. In some embodiments, the system establishes the communicationlink between the automobile and a vendor entity device by utilizingtransmitting devices in the automobile and the vendor entity device. Insome embodiments, wherein the current location of the user matches thelocation of the first third party entity, the system may utilize the NFCinterface in the automobile and the vendor entity device to establishthe communication link.

As shown in block 570, the system identifies a trigger from the vendorentity device (e.g., fuel dispenser or point of sale), wherein thetrigger is associated with transfer of resources to complete aninteraction (transaction associated with fuel purchase). The trigger maybe a payment request from the point of sale device, wherein the triggercomprises a unique identifier associated with the fuel purchase of theuser. The system connects to the vendor entity device (point of sale)using NFC interface to identify a resource amount (purchase amount).

As shown in block 580, the system in response to identifying thetrigger, initiates the transfer of resources to complete theinteraction. The system selects a best resource pool information fromone or more resource pools of the user based on the supplementalresources offered (rewards, or the like). In some embodiments, thesystem accesses the resource pool information from the user application224 (e.g., mobile wallet application or the like) in the smart computingdevice 200 connected to the automobile 300. In some embodiments, thesystem accesses the resource pool information from the memory of theautomobile, wherein a system associated with the automobile, afteridentifying that the smart computing device is connected to theautomobile 300 via wired or wireless technology, extracts the userresource pool information from the smart computing device 200 and storesit in the memory of the automobile 300. The system after identifying thebest resource pool, authenticates the interaction i.e., transfer ofresources by any forms of authentication methods. In one embodiment, thesystem verifies that one or more smart computing devices (mobile device,smart watch, or the like) of the user are within the proximity of theautomobile and the vendor entity device (point of sale). In anotherembodiment, the system may use facial recognition or finger printing orthe like to authenticate the interaction. The system utilizes thewireless network of the automobile to transfer the best resource poolinformation to the vendor entity device.

As shown in block 590, the system completes the interaction bytransferring the resources to the vendor entity device. The systemtransfers the resource amount from the identified best resource pool tothe vendor entity device. After completing the interaction, the vendorentity device may transfer a receipt associated with the interaction tothe automobile. At this time, the user need not wait at the third partyentity location to receive the receipt. In an exemplary embodiment,after refueling the user may drive away from the third party entitylocation and the transfer of resources may be performed by the systemwithout having the user to stay at the third party entity location.Similarly, the vendor entity device may transfer a receipt while theuser is not at the third party entity location. In some embodiments, thesystem may link or integrate the receipt into a user application or afinancial institution application of the smart computing device 200. Forexample, upon completion of the transaction associated with the fuelpurchase, the transaction may be posted into a resource pool (e.g.,checking account) in the financial institution application (e.g., onlineapplication) on the mobile device 200. The system may integrate thereceipt received from the vendor entity device with the transactionposted in the resource pool via the financial institution application.

In some embodiments, the system may also transfer a second resourceamount associated with the order (associated with the to-do lists)placed before arriving at the third party entity location, therebyallowing the user to pick up the one or more products directly. In suchembodiments, the system may utilize a card reader present in theautomobile 300 to perform the interaction before arriving at the thirdparty entity location. In some embodiments, the system after completionof transfer of second resource amount to the point of sale, receives aQR code or any other code from the vendor entity device and transfersthe received code to the one or more computing devices of the user. Theuser may provide this code at a pick-up location within the third partyentity location to collect the one or more products of the order. Insome embodiments, the system upon receiving an input from the user tosearch for Automated Teller Machines, may follow similar process toplace an order at an Automated Teller Machine for withdrawing cash orthe like and reserving the Automated Teller Machine for the user.

FIG. 6 presents a process flow 600 for completing an interactionassociated with a parking location via the automobile. As shown in block610, the system receives an input from the user, via the input devicesof the automobile, to search for at least one available parkinglocation. The input may be a voice command, a text command, and/or thelike received from the user via the user input devices 315 of theautomobile. The system instantly recognizes the input received from theuser. In some embodiments, the system may identify current location ofthe user and based on the travel patterns may automatically identifythat the user is searching for the at least one available parkinglocation. In some embodiments, travel patterns may be stored in thememory of the automobile. In some embodiments, the travel patterns maybe stored in the memory of the smart computing device. In otherembodiments, the travel patterns may be stored in the memory of thesystem.

As shown in block 620, the system identifies a destination of the user.The system communicates with the navigation system of the automobile toidentify the destination of the user. As shown in block 630, the systemdetermines one or more parking locations located within a predeterminedlimit from the destination of the user. For example, the system mayidentify all parking locations within half a mile from the destination.As shown in block 640, the system communicates with one or more remotedevices at the one or more parking locations to identify one or moreavailable parking spaces. For example, the system communicates withparking meter monitoring systems to identify one or more availableparking spaces within each of the one or more parking locations.Additionally, the system may also identify the exact location of each ofthe one or more available parking spaces.

As shown in block 650, the system applies logic to select a firstparking space from the one or more available parking spaces. The systemmay apply logic based on the current traffic near each of the one ormore parking locations, distance between the elevator or stairs and theexact location of each of the one or more available parking spaces,pricing of the one or more available parking spaces, offers associatedwith the one or more available parking spaces, user preferences, one ormore to-do lists, and/or the like. For example, the system may accessone or more to-do lists of the user stored in the smart computing device200 (smart watch, mobile device, or the like) of the user and mayidentify that the user has “pick up clothes from dry cleaners” listed inthe to-do list of the user and the system considers a parking spaceavailable closer to the dry cleaners.

As shown in block 660, the system transmits a location of the firstparking space to the user via the output devices of the automobile. Thesystem automatically adds the location of the first parking space as thedestination, via the navigational system of the automobile. In someembodiments, the system may add the location to the destination afterreceiving an approval from the user. The system upon adding the locationto the destination, communicates with remote devices (parking metermonitoring system) associated with the first parking space to reservethe first parking space for the user.

As shown in block 670, the system identifies that the automobile of theuser is at the location of the first parking space by continuouslymonitoring the current location of the user. The system identifies thatthe user has reached the parking space by identifying the currentlocation of the user. After identifying that the user has reached thelocation of the first parking space, the system establishes acommunication link between the automobile and a first remote device(parking meter). In some embodiments, the system may establish thecommunication link between the automobile and the first remote devicewhen the current location of the user does not match the location of thefirst parking space. In such an embodiment, the system allows the userto block the first parking space via the communication link between theautomobile and the first remote device. As shown in block 680, thesystem initiates a transfer of resources to the first remote deviceassociated with the first parking space. The system selects a bestresource pool information from one or more resource pools of the userbased on the supplemental resources offered (rewards, or the like). Thesystem after identifying the best resource pool, authenticates theinteraction i.e., transfer of resources by any forms of authenticationmethods. In one embodiment, the system verifies that one or more smartcomputing devices (mobile device, smart watch, or the like) of the userare within the proximity of the automobile and the first parking space.In another embodiment, the system may use facial recognition or fingerprinting or the like to authenticate the interaction.

In an exemplary embodiment, a parking meter may not be available onevery floor at all parking locations. The system connects with theparking meters remotely after identifying that the automobile of theuser is at the location of the first parking space and initiatestransfer of resources (parking cost) to the parking meter located onanother floor at the parking location. As shown in block 690, the systemcompletes the transfer of resources to the first remote device andnotifies the user. In some embodiments, the system may utilize the chipreader in the automobile for completing the interaction. Aftercompletion of transfer of resources, the system may receive a receiptfrom the remote device i.e., the parking meter. The system mayautomatically save the receipt in the memory of automobile, smart chip,and/or the smart computing devices of the user. In some embodiments, thesystem may link or integrate the receipt into a user application or anfinancial institution application of the smart computing device 200. Forexample, upon completion of the transaction associated with the firstparking space, the transaction may be posted into a resource pool (e.g.,checking account) financial institution application (e.g., onlineapplication) on the smart computing device 200. The system may integratethe receipt received from the first remote device with the transactionposted in the resource pool via the financial institution application.In some embodiments, the system receives the receipt immediately uponcompletion of the interaction.

In some embodiments, the pricing associated with the first parking spacemay be hourly pricing. In such embodiments, the system may identify aresource amount associated with the first parking space when the user isleaving the location associated with the first parking space. The systemmay utilize the communication link established between the automobileand the first remote device to transfer the resource amount to the firstremote device. In some embodiments, the transfer of resources may occurwhen the real-time location of the user does not match the location ofthe first parking space, thereby allowing the user to pay without havingto wait the parking location or the first parking space.

FIG. 7 presents a process flow 700 for communicating an order to aremote device of a third party entity via the automobile. As shown inblock 710, the system receives a request from the user, via the inputdevices of the automobile, to place an order. The order may be a fastfood order, a prescription refill order or the like which involvespicking up one or more products associated with the order at adrive-through. The order may be received as an input from the user. Theinput may be a voice command, a text command, and/or the like receivedfrom the user via the user input devices 315 of the automobile.

In an exemplary embodiment, the system, after receiving a fast foodorder from the user, calculates the number of calories associated withthe fast food order. The system may access the fitness trackingapplication in the smart computing device of the user and may identifythat the calculated calories in the current order of fast food may crossthe limit of daily calorie intake of the user. The system may thensuggest alternative fast foods with less calories to the user andprompts the user to identify if he/she would like to switch the order.Based on the user input, the system finalizes the order and may look forone or more third party entities providing one or more products in thefinalized order. Additionally, the system may also communicate with abudgeting application of the smart computing device 200 and may alertthe user of spending goals. For example, the system may identify thatthe prices of the current order may exceed the spending goals set by theuser and may notify the user via the output devices of the automobilesystem.

As shown in block 720, the system identifies current location of theuser. The system communicates with the positioning system device 325 toidentify the current location of the user. In some embodiments, thesystem may use satellite data to determine the location of the user.Additionally, the system may also identify a destination, via thenavigation system of the automobile 300. As shown in block 730, thesystem identifies one or more third party entities associated with theorder within a predetermined limit from the current location of theuser. For example, the system identifies one or more third partieswithin five miles from the current location of the user. In someembodiments, the predetermined limit may be fixed. In some embodiments,the predetermined limit may be dynamic. For example, the system maychoose the predetermined limit based on a time estimate for the order tobe ready. In some embodiments, the system may estimate a time requiredto prepare one or more products associated with the order based on timeof the day. For example, if the order is a fast food order and the usersends a request to place an order during lunch hour, the system mayestimate that the order may take more amount of time than the usual timetaken to prepare one or more products. In other words, the systemintelligently identifies the predetermined limit, therefore allowing theuser to pick up the order at a drive-through without having to wait forthe order. The system identifies one or more third parties between thecurrent location and destination and along the travel route selected bythe user, that are offering the one or more products associated with therequest.

As shown in block 740, the system selects a first third party entityfrom the one or more third party entities and transfers a third partyentity location of the first third party entity to the user. The system,via the artificial intelligence engine, applies logic to select thefirst third party by considering one or more factors such as rating ofthe one or more third party entities, user preferences, supplementalresources associated with the one or more third party entities, currenttraffic, detour distance, or the like. As shown in block 750, the systemestablishes a communication link between the automobile system and aremote device (online ordering platform) associated with the first thirdparty entity. The system communicates with the remote device to open anew order ticket.

As shown in block 760, the system prompts the user to confirm the order,via the output devices of the automobile. For example, the system mayread the order to the user via the speaker. In some embodiments, whenthe order is a fast food order, the system identify that the userordered additional condiments in a previous order similar to the presentorder based on the past ordering history. The system may also read outthe additional condiments placed in the previous order to the user andmay prompt the user to confirm the additional condiments to be requestedalong with the order.

As shown in block 770, the system in response to receiving aconfirmation from the user, via the input devices of the automobile,communicates the order to the remote device. The system may add the oneor more products and additional condiments to the new ticket opened bythe system by communicating with the remote device. The system mayadditionally calculate estimated arrival time of the user based on thetraffic, current location, driving patterns, or the like and maycommunicate the calculated estimated arrival time of the user to theremote device.

As shown in block 780, the system receives a notification associatedwith the order from the remote device. The notification may include anresource amount i.e., total cost of the order, order confirmation, aconfirmation code (e.g., QR code), drive-through slot number, orderstatus tracking link, or the like. The system may then automaticallyinitiate transfer of resources to the remote device the wireless networkof the automobile to the remote device. In some embodiments, the systemmay utilize the chip reader in the automobile to transfer the resourcesdirectly to the remote device via the communication link establishedbetween the automobile device and the remote device. In someembodiments, the system may cause the financial institution application(e.g., online banking application) or user application (e.g., digitalwallet) on the smart computing device to transfer the resources to theremote device. In one such embodiment, the system may utilize the cardreader to transfer the resources. In alternate embodiments, as shown inblock 790, the system identifies that the automobile of the user is atthe third party entity location and initiates transfer of resources viathe NFC interface to a vendor entity device located at the third partyentity location. For example, the system may identify that the user isat the drive-through slot number associated with the user and mayestablish a communication link via the NFC interface of the automobilewith a point of sale device at the drive-through slot and maycommunicate the confirmation code to the point of sale device. Thesystem may then access the user application (e.g., digital walletapplication) and choose a best resource pool from the one or moreresource pools associated with the user may transfer the resourcesassociated with the resource amount from the best resource pool to thepoint of sale device. In some embodiments, in response to transferringthe resources, the vendor entity device may transmit a receipt to theuser. The system may then integrate the receipt with a correspondingtransaction posted in the resource pool of the user via the financialinstitution application or user application in the smart computingdevice 200.

FIG. 8 presents a process flow 800 for process flow for completing aninteraction associated with one or more tolls by communicating withremote devices at toll booths via the automobile system. As shown inblock 810, the system receives a travel route to a destination from theuser, via the input devices of the automobile. The user may input adestination into the navigation system of the automobile and select atravel route associated with the destination. The system identifies thatthe user selected the travel route. In some embodiments, the system mayautomatically select a best travel route based on the trafficconditions, road closure, and/or the like. As shown in block 820, thesystem identifies one or more tolls associated with the travel route. Insome embodiments, the system may identify one or more tolls bycommunicating with navigation systems of the automobile. In someembodiments, the system may identify the one or more tolls bycommunicating with remote navigation systems. Alternatively, the systemmay identify one or more tolls by communicating with user application(navigation application) of the mobile device.

As shown in block 830, the system continuously monitors a currentlocation of the user. In some embodiments, the system monitors thecurrent location of the user via the positioning system device 325 ofthe automobile 300. In alternate embodiments, the system monitors thecurrent location of the user via the positioning system device 275 ofthe smart computing device 200. Additionally, the system may alsocurrent traffic conditions along the travel route by communicating withthe traffic monitoring systems.

As shown in block 840, the system identifies that the current locationof the user is within a predetermined distance from a toll location ofthe one or more tolls. In some embodiments, the predetermined distancemay be set by the user. For example, the system identifies that thecurrent location is two miles away from the next toll booth in thetravel route. In some embodiments, the system based on the currenttraffic conditions and calculates a new predetermined distance based onthe current traffic conditions. For example, if the travel time to thenext toll booth is thirty minutes and the travel distance is two miles,the system calculates a new predetermined limit which may be quartermile from the next toll booth. Therefore, by calculating the newpredetermined limit, the system may avoid paying for unnecessary tollsin instances when there is a traffic diversion.

As shown in block 850, the system establishes a communication linkbetween the automobile system and at least one remote device such asonline toll payment platform associated with the toll location. Forexample, the system establishes a communication link and the wirelessnetwork of the automobile. The system, via the communication linkidentifies a resource amount associated with the toll. Alternatively, insome embodiments, the system may identify the resource amount bycommunicating with any toll calculator systems. In some embodiments, thesystem may identify the resource amount by communicating with userapplications (toll calculator) in the smart computing device 200.

As shown in block 860, the system initiates transfer of resources to theat least one remote device. The system selects a best resource poolinformation from one or more resource pools of the user based on thesupplemental resources offered (rewards, or the like). The system afteridentifying the best resource pool, transfers the resource associatedwith the resource amount to the at least one remote device. As shown inblock 870, the system completes the transfer of resources. In someembodiments, the system utilizes the chip reader in the automobile tocomplete the transfer of resources.

As shown in block 880, the system receives a notification from theremote device. The notification may include a payment confirmation, atoll lane number, or the like. As shown in block 890, the systemtransfers the notification to the user via the output devices of theautomobile. For example, the system may read the toll lane numberassociated with the notification received from the at least one remotedevice via the speaker of the automobile. Additionally, the system mayalso receive a receipt associated with the interaction from the remotedevice. The system may integrate the receipt with the interaction postedto the resource pools via the financial institution application or userapplication in the smart computing device.

Referring now to FIG. 9 and according to various embodiments of theinvention, real-time data services based on geo-location informationprovides communicable linkage between mobile device, car, and internetof things (“IOT”) devices with merchant systems. This provides real-timeservice based on user location information and status. For example, auser may order food from their house via an IOT device (smart speaker,etc.) to pick up or be delivered by merchant (such as Pizza will bedelivered or is ready to pick up in 45 min). User may get distracted,run errands, get involved in other tasks, bad weather, traffic, or thelike. The various systems link to identify the exact time for pick up ordelivery of the product for quality and readiness. The system may beable to communicate deals using the system or specific ordering means.Furthermore, the system may identify load balance for the merchant andtransmit the order to a specific merchant branch that may meet the timerequirement of the user.

The first step, as represented by block 1010, is to receive at thevendor system and from the user network of devices, a request forprovisioning of products by a vendor. The next step, represented byblock 1020, is to determine a provisioning location for provisioning ofthe products by the vendor (for example, the user's home, office, car orother specified location). Then, the system continuously identifies areal-time location of the user via the one or more components of theuser network of devices, as represented by block 1030. Such location maybe determined based on one or more of the locations of the mobiledevice, the automobile, a combination of those devices, or otherwise.The system also continuously calculates a real-time first limit based onthe continuously identified current location of the user and theprovisioning location, as represented by block 1040. This limitrepresents the amount of time it will take for the user to navigate fromthe present location to the provisioning location. Next, as representedby block 1050, the system calculates total time to provision theproducts. The total time to provision the products may include productpreparation time, if any, as well as time to deliver the products. Insome embodiments, the total time to provision the products may includeproduct preparation time, if any, plus time for the user to navigatefrom present location to the product provisioning location. Thissituation may be the case when the user is picking up the product fromthe vendor location and must then navigate to the provisioning location(i.e., in such a case, the provisioning location may be the user'shome—where the user's children would be eating the pizza for example).Thus, the total time to provision the products may include a sum of aproduct preparation time and the real-time first limit. In otherembodiments, the total time to provision the products is based on theproduct preparation time, if any, and a comparison of the delivery timeto the user's time away from provisioning location.

Finally, as represented by block 1060, the system optimizes delivery ofthe products based on the total time to provision and the real-timelocation of the user. This optimization attempts to ensure the productis provisioned as quickly and efficiently as possible without, forexample, getting cold in the case of a food product.

Referring now to FIG. 11 and according to other embodiments of theinvention, the system links internet of things (“IOT”) devices, mobiledevices, car, and calendar for automatic adjustments of IOT devicesbased on user. In this way, the system may identify the user is onhis/her way home for dinner and pre-heat the oven or turn the air/heaton or off. Furthermore, the system may identify a user at home andadjust an oven, washer/dryer, or the like based on the user's actionsand timing for each event.

The first step, as represented by block 1110, is to identify a locationof the user, via the one or more components of the user network ofdevices and an IOT device location. The next step, as represented byblock 1120, is to calculate a first limit based on a difference betweenthe location of the user and the IOT device location. Next, asrepresented by block 1130, is to continuously identify a real-timelocation of the user via the one or more components of the user networkof devices. Then, as represented by block 1140, is to calculate a totaltime to user arrival at the IOT device location and a second time limitbased on preparation of the IOT device. Then, as represented by block1150, if the total time to user arrival at the IOT device location isless than or equal to the second time limit, the system activates theIOT device for preparation. Finally, as represented by block 1160, ifthe total time to user arrival at the IOT device location is greaterthan the second time limit, the system continuously monitors the totaltime to user arrival at the IOT device location until it is less than orequal. Then, the system activates the IOT device for preparation.

In some embodiments, the user has established preferences that may besaved to the user's electronic calendar. For example the user mayspecify that she will be having dinner at home every Wednesday nightafter work and will be cooking. So, the system may determine when theuser is leaving work based on determining the user's location andpreheat the oven so that the oven is ready for cooking dinner as closelyto the user arriving at home as possible, thus minimizing wasted energy.

Although many embodiments of the present invention have just beendescribed above, the present invention may be embodied in many differentforms and should not be construed as limited to the embodiments setforth herein; rather, these embodiments are provided so that thisdisclosure will satisfy applicable legal requirements. Also, it will beunderstood that, where possible, any of the advantages, features,functions, devices, and/or operational aspects of any of the embodimentsof the present invention described and/or contemplated herein may beincluded in any of the other embodiments of the present inventiondescribed and/or contemplated herein, and/or vice versa. In addition,where possible, any terms expressed in the singular form herein aremeant to also include the plural form and/or vice versa, unlessexplicitly stated otherwise. Accordingly, the terms “a” and/or “an”shall mean “one or more,” even though the phrase “one or more” is alsoused herein. Like numbers refer to like elements throughout.

As will be appreciated by one of ordinary skill in the art in view ofthis disclosure, the present invention may include and/or be embodied asan apparatus (including, for example, a system, machine, device,computer program product, and/or the like), as a method (including, forexample, a business method, computer-implemented process, and/or thelike), or as any combination of the foregoing. Accordingly, embodimentsof the present invention may take the form of an entirely businessmethod embodiment, an entirely software embodiment (including firmware,resident software, micro-code, stored procedures in a database, or thelike), an entirely hardware embodiment, or an embodiment combiningbusiness method, software, and hardware aspects that may generally bereferred to herein as a “system.” Furthermore, embodiments of thepresent invention may take the form of a computer program product thatincludes a computer-readable storage medium having one or morecomputer-executable program code portions stored therein. As usedherein, a processor, which may include one or more processors, may be“configured to” perform a certain function in a variety of ways,including, for example, by having one or more general-purpose circuitsperform the function by executing one or more computer-executableprogram code portions embodied in a computer-readable medium, and/or byhaving one or more application-specific circuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, electromagnetic, infrared, and/orsemiconductor system, device, and/or other apparatus. For example, insome embodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as, forexample, a propagation signal including computer-executable program codeportions embodied therein.

One or more computer-executable program code portions for carrying outoperations of the present invention may include object-oriented,scripted, and/or unscripted programming languages, such as, for example,Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, JavaScript,and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F#.

Some embodiments of the present invention are described herein withreference to flowchart illustrations and/or block diagrams of apparatusand/or methods. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and/or combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may be storedin a transitory and/or non-transitory computer-readable medium (e.g. amemory) that can direct, instruct, and/or cause a computer and/or otherprogrammable data processing apparatus to function in a particularmanner, such that the computer-executable program code portions storedin the computer-readable medium produce an article of manufactureincluding instruction mechanisms which implement the steps and/orfunctions specified in the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with, and/or replaced with,operator- and/or human-implemented steps in order to carry out anembodiment of the present invention.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations, modifications, andcombinations of the just described embodiments can be configured withoutdeparting from the scope and spirit of the invention. Therefore, it isto be understood that, within the scope of the appended claims, theinvention may be practiced other than as specifically described herein.

INCORPORATION BY REFERENCE

To supplement the present disclosure, this application furtherincorporates entirely by reference the following commonly assignedpatent application:

U.S. patent application Ser. No. Title Filed On 15/986,232 INTEGRATEDMay 22, CONNECTIVITY 2018 OF DEVICES FOR RESOURCE TRANSMISSION

What is claimed is:
 1. A system for communicable integration of anetwork of devices for providing real-time data transmissions viageo-location based linkages, the network of devices comprising (i) auser network of devices comprising one or more components including anautomobile and a mobile device, and (ii) a vendor system, the systemcomprising: one or more memory devices having computer readable codestored thereon; one or more processing devices operatively coupled tothe one or more memory devices, wherein the one or more processingdevices are configured to execute the computer readable code to:receive, at the vendor system from the user network of devices, arequest for provisioning of products by a vendor; determine aprovisioning location for provisioning of the products by the vendor,wherein the provisioning location is a location where the products areto be delivered; periodically identify a current location of a user viathe one or more components of the user network of devices, comprisingidentifying the current location of the user via a positioning systemcomponent of the automobile associated with the user; periodicallycalculate a first limit based on the identified current location of theuser and the provisioning location, wherein the first limit defines acurrent amount of time estimated for the user to navigate from theidentified current location of the user to the provisioning location,comprising: determining that a first identified current location of theuser is within a first predetermined distance from a first toll locationof one or more tolls; and modifying, in real-time, the first limit basedon the determined first toll location; calculate a total time toprovision the products comprising a sum of a product preparation timeand a time to deliver the products from a preparation location to theprovisioning location; optimize delivery of the products based on thetotal time to provision and the current location of the user, whereinoptimization provides for timing the delivery of the products to theprovisioning location proximate in time to the user arriving at theprovisioning location; determine a travel route for the user, via one ormore components of the automobile, wherein determining the travel routefurther comprises: adding a location of a first fuel station to thetravel route; identifying a currently unoccupied first refueling stationat the first fuel station; and blocking the first refueling station fromuse by other users such that the first refueling station is reserved forthe user; establish a first communication link between the automobileand a vendor entity device associated with a vendor entity via one ormore transmitting devices of the automobile, wherein the vendor entityis selected from one or more vendor entities located within the firstlimit; in response to identifying a first trigger associated with atransfer of resources, initiate the transfer of the resources via thefirst communication link to complete an interaction with the vendorentity device associated with the request; in response to completing theinteraction, receive a receipt associated with the interaction from thevendor entity device; and integrate the receipt with the interactionposted into a user application.
 2. The system of claim 1, whereinestablishing the first communication link comprises: determining thatthe first identified current location of the user matches a location ofthe vendor entity; and activating a near field communication (NFC)interface of the automobile and the vendor entity device to establishthe first communication link.
 3. The system of claim 1, wherein the usernetwork of devices comprises one or more internet of things (IOT)devices and wherein the one or more processing devices are configured toexecute the computer readable code to: transmit the request forprovisioning of the products to the vendor system using a first IOTdevice of the one or more IOT devices; in response to the interaction,determine a second limit associated with a difference between (i) thecurrent location of the user and (ii) a device location of a second IOTdevice of the one or more IOT devices, wherein the second limit isassociated with a time of user arrival to the device location of thesecond IOT device and a time of preparation associated with the secondIOT device, wherein the second IOT device is an appliance associatedwith the user; and activate, automatically, the second IOT device forpreparation in response to identifying a second trigger of the time ofuser arrival to the device location of the second IOT device being lessthan or equal to the time of preparation associated with the second IOTdevice.
 4. The system of claim 1, wherein the one or more processingdevices are configured to execute the computer readable code toestablish a direct communication link with the one or more components ofthe automobile and establish a communication link with a user device ofthe user, wherein the user device is connected to the automobile.
 5. Thesystem of claim 1, wherein the one or more processing devices areconfigured to execute the computer readable code to: identify the one ormore vendor entities located within the first limit; apply logic toselect the vendor entity from the one or more vendor entities; andtransfer a location of the vendor entity to the user, via the one ormore components of the automobile.
 6. The system of claim 5, wherein theone or more processing devices are configured to execute the computerreadable code to apply the logic for selecting the vendor entity by:identifying user preferences associated with the user; identifyingtravel time associated with each of the one or more vendor entities bycommunicating with traffic monitoring systems; identifying one or moresupplemental resources associated with resource pools of the user;identifying one or more bids received from the identified one or morevendor entities; and determining the vendor entity based on at least theuser preferences, the travel time, the one or more supplementalresources, and the one or more bids.
 7. The system of claim 1, whereinthe one or more processing devices are configured to execute thecomputer readable code to: transfer a location of the vendor entitycomprising sending the location of the vendor entity to a navigationsystem of the automobile; identify the one or more tolls associated withthe travel route; identify that a second current location of the user iswithin a second predetermined distance from a second toll location ofthe one or more tolls; establish a second communication link between theautomobile and at least one remote toll system associated with thesecond toll location based on identifying that the second currentlocation is within the second predetermined distance from the secondtoll location; and initiate the transfer of the resources to the atleast one remote toll system via the second communication link.
 8. Acomputer program product for communicable integration of a network ofdevices for providing data transmissions via geo-location basedlinkages, the network of devices comprising (i) a user network ofdevices comprising one or more components including an automobile and amobile device, and (ii) a vendor system, the computer program productcomprising at least one non-transitory computer-readable medium havingcomputer-readable program code portions embodied therein, thecomputer-readable program code portions comprise one or more executableportions to: receive, at the vendor system from the user network ofdevices, a request for provisioning of products by a vendor; determine aprovisioning location for provisioning of the products by the vendor,wherein the provisioning location is a location where the products areto be delivered; periodically identify a current location of a user viathe one or more components of the user network of devices, comprisingidentifying the current location of the user via a positioning systemcomponent of the automobile associated with the user; periodicallycalculate a first limit based on the identified current location of theuser and the provisioning location, wherein the first limit defines acurrent amount of time estimated for the user to navigate from theidentified current location of the user to the provisioning location,comprising: determining that a first identified current location of theuser is within a first predetermined distance from a first toll locationof one or more tolls; and modifying, in real-time, the first limit basedon the determined first toll location; calculate a total time toprovision the products comprising a sum of a product preparation timeand a time to deliver the products from a preparation location to theprovisioning location; optimize delivery of the products based on thetotal time to provision and the current location of the user, whereinoptimization provides for timing the delivery of the products to theprovisioning location proximate in time to the user arriving at theprovisioning location; determine a travel route for the user, via one ormore components of the automobile, wherein determining the travel routefurther comprises: adding a location of a first fuel station to thetravel route; identifying a currently unoccupied first refueling stationat the first fuel station; and blocking the first refueling station fromuse by other users such that the first refueling station is reserved forthe user; establish a first communication link between the automobileand a vendor entity device associated with a vendor entity via one ormore transmitting devices of the automobile, wherein the vendor entityis selected from one or more vendor entities located within the firstlimit; in response to identifying a first trigger associated with atransfer of resources, initiate the transfer of the resources via thefirst communication link to complete an interaction with the vendorentity device associated with the request; in response to completing theinteraction, receive a receipt associated with the interaction from thevendor entity device; and integrate the receipt with the interactionposted into a user.
 9. The computer program product of claim 8, whereinestablishing the first communication link comprises: determining thatthe first identified current location of the user matches a location ofthe vendor entity; and activating a near field communication (NFC)interface of the automobile and the vendor entity device to establishthe first communication link.
 10. The computer program product of claim8, wherein the user network of devices comprises one or more internet ofthings (IOT) devices and wherein the computer-readable program codeportions comprise one or more executable portions to: transmit therequest for provisioning of the products to the vendor system using afirst IOT device of the one or more IOT devices; in response to theinteraction, determine a second limit associated with a differencebetween (i) the current location of the user and (ii) a device locationof a second IOT device of the one or more IOT devices, wherein thesecond limit is associated with a time of user arrival to the devicelocation of the second IOT device and a time of preparation associatedwith the second IOT device, wherein the second IOT device is anappliance associated with the user; and activate, automatically, thesecond IOT device for preparation in response to identifying a secondtrigger of the time of user arrival to the device location of the secondIOT device being less than or equal to the time of preparationassociated with the second IOT device.
 11. The computer program productof claim 8, wherein the computer-readable program code portions compriseone or more executable portions to establish a direct communication linkwith the one or more components of the automobile and establish acommunication link with a user device of the user, wherein the userdevice is connected to the automobile.
 12. The computer program productof claim 8, wherein the computer-readable program code portions compriseone or more executable portions to: identify the one or more vendorentities located within the first limit; apply logic to select thevendor entity from the one or more vendor entities; and transfer alocation of the vendor entity to the user, via the one or morecomponents of the automobile.
 13. The computer program product of claim12, wherein the computer-readable program code portions comprise one ormore executable portions to apply the logic for selecting the vendorentity by: identifying user preferences associated with the user;identifying travel time associated with each of the one or more vendorentities by communicating with traffic monitoring systems; identifyingone or more supplemental resources associated with resource pools of theuser; identifying one or more bids received from the identified one ormore vendor entities; and determining the vendor entity based on atleast the user preferences, the travel time, the one or moresupplemental resources, and the one or more bids.
 14. The computerprogram product of claim 8, wherein the computer-readable program codeportions comprise one or more executable portions to: transfer alocation of the vendor entity comprising sending the location of thevendor entity to a navigation system of the automobile; identify the oneor more tolls associated with the travel route; identify that a secondcurrent location of the user is within a second predetermined distancefrom a second toll location of the one or more tolls; establish a secondcommunication link between the automobile and at least one remote tollsystem associated with the second toll location based on identifyingthat the second current location is within the second predetermineddistance from the second toll location; and initiate the transfer of theresources to the at least one remote toll system via the secondcommunication link.
 15. A computer implemented method for communicableintegration of a network of devices for providing data transmissions viageo-location based linkages, the network of devices comprising (i) auser network of devices comprising one or more components including anautomobile and a mobile device, and (ii) a vendor system, the methodcomprising: receiving, at the vendor system from the user network ofdevices, a request for provisioning of products by a vendor; determininga provisioning location for provisioning of the products by the vendor,wherein the provisioning location is a location where the products areto be delivered; continuously identifying a current location of a uservia the one or more components of the user network of devices,comprising identifying the current location of the user via apositioning system component comprising a smart chip device of theautomobile, a global positioning system transceiver, an antenna, atransmitter, a cellular signal triangulation component, and/or aproximity sensor; periodically identify a current location of the uservia the one or more components of the user network of devices,comprising identifying the current location of the user via apositioning system component of the automobile associated with the user;periodically calculate a first limit based on the identified currentlocation of the user and the provisioning location, wherein the firstlimit defines a current amount of time estimated for the user tonavigate from the identified current location of the user to theprovisioning location, comprising: determining that a first identifiedcurrent location of the user is within a first predetermined distancefrom a first toll location of one or more tolls; and modifying, inreal-time, the first limit based on the determined first toll location;calculate a total time to provision the products comprising a sum of aproduct preparation time and a time to deliver the products from apreparation location to the provisioning location; optimize delivery ofthe products based on the total time to provision and the currentlocation of the user, wherein optimization provides for timing thedelivery of the products to the provisioning location proximate in timeto the user arriving at the provisioning location; determine a travelroute for the user, via one or more components of the automobile,wherein determining the travel route further comprises: adding alocation of a first fuel station to the travel route; identifying acurrently unoccupied first refueling station at the first fuel station;and blocking the first refueling station from use by other users suchthat the first refueling station is reserved for the user; establish afirst communication link between the automobile and a vendor entitydevice associated with a vendor entity via one or more transmittingdevices of the automobile, wherein the vendor entity is selected fromone or more vendor entities located within the first limit; in responseto identifying a first trigger associated with a transfer of resources,initiate the transfer of the resources via the first communication linkto complete an interaction with the vendor entity device associated withthe request; in response to completing the interaction, receive areceipt associated with the interaction from the vendor entity device;and integrate the receipt with the interaction posted into a userapplication.
 16. The computer implemented method of claim 15, whereinestablishing the first communication link comprises: determining thatthe first identified current location of the user matches the locationof the vendor entity; and activating a near field communication (NFC)interface of the automobile and the vendor entity device to establishthe first communication link.
 17. The computer implemented method ofclaim 15, wherein the user network of devices comprises one or moreinternet of things (IOT) devices and wherein the method furthercomprises: transmitting the request for provisioning of the products tothe vendor system using a first IOT device of the one or more IOTdevices; in response to the interaction, determining a second limitassociated with a difference between (i) the current location of theuser and (ii) a device location of a second IOT device of the one ormore IOT devices, wherein the second limit is associated with a time ofuser arrival to the device location of the second IOT device and a timeof preparation associated with the second IOT device, wherein the secondIOT device is an appliance associated with the user; and activating,automatically, the second IOT device for preparation in response toidentifying a second trigger of the time of user arrival to the devicelocation of the second IOT device being less than or equal to the timeof preparation associated with the second IOT device.
 18. The computerimplemented method of claim 15, further comprising establishing a directcommunication link with one or more components of the automobile andestablishing a communication link with the user device of the user,wherein the user device is connected to the automobile.
 19. The computerimplemented method of claim 15, further comprising: identifying the oneor more vendor entities located within the first limit; applying logicto select the vendor entity from the one or more vendor entities; andtransferring a location of the vendor entity to the user, via the one ormore components.
 20. The computer implemented method of claim 19,wherein applying the logic for selecting the vendor entity comprises:identifying user preferences associated with the user; identifyingtravel time associated with each of the one or more vendor entities bycommunicating with traffic monitoring systems; identifying one or moresupplemental resources associated with resource pools of the user;identifying one or more bids received from the identified one or morevendor entities; and determining the vendor entity based on at least theuser preferences, the travel time, the one or more supplementalresources, and the one or more bids.